14. There are several interesting points about the relationship among the coupon rate, market price, and yield to maturity. Briefly explain these relationships. 15. Distinguish between firm commitment underwriting and best effort underwriting. 16. What is a forward contract? How does it differ from a futures contract? 17. One risk in the mortgage business is prepayment risk? Discuss two implication of this risk to a mortgagor on the Ghanaian financial market. 18. Can a borrower in Ghana face penalties if a loan is prepaid? Discuss two reasons why a borrower would decide to bear this cost. 19. Discuss two factors that would greatly contribute to the rapid development of the derivative market in Ghana. 20. Give an account of the impact of the Coronavirus (COVID 19) on the financial markets with illustrations from two (2) global financial centres known to you